Share of Cost, Making Informed Choices for Dental Insurance
Many state laws mandate that consumers with dental coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, deductibles, co-payments, limitations and exclusions… The law mandates that consumers with dental coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, limitations and exclusions.
Does my dental insurance provide full coverage?
Many dental insurance plans will not provide coverage for all procedures 100%. Most plans have deductibles and co-payments.
What is a deductible on a dental insurance plan?
The deductible is the amount to be paid to prior to coverage. This amount varies depending on the type of dental plan.
What is a co-payment on a dental insurance plan?
A co-payment is the amount to be paid by the insured for a portion of services rendered.
What are limitations and exclusions on a dental insurance plan?
Limitations and exclusions on a dental insurance plan is the amount the dental insurance plan will not cover for dental treatments. Many dental insurance plans have limitations and exclusions. Therefore, it is important to read the limitations and exclusions prior to the purchase of dental coverage.